• Jeff

Enough Already!

Carl Richards is one of my heroes in this business. The founder of the Behavior Gap and regular contributor to the New York Times is one of the most delightful experts in the realm of personal finance that you will find on the internet.


This sounds like straight hyperbole, but I think that he may have written the definitive piece on how not only to find success with your money and your future, but also on the key to finding happiness.



Here is Carl on the first and last step to achieving a durable financial future.


My wife and I often talk in specific details about how much money we need to be happy. Most of the time, we realize that we are incredibly fortunate to be able to pay the bills, save for our children’s educations and do most of the things we really want to do. In other words, we have enough. ~Carl Richards

Human beings are not taught to accept ENOUGH. We are told that we must strive for success and never settle. I am a victim of these teachings and of passing them on to my children. But with all the additional gray hair that turning 40 has provided me, I have also matured and become more wise on the subject.

The beautiful thing about ENOUGH is that we get to decide what that is. ENOUGH is different for everyone, and it's as different for you as it is for me. But if you can't define ENOUGH, you will never have ENOUGH. And, ultimately, you will never be happy or able to accomplish your goals for a promising and long lasting relationship with your money.

How do you define ENOUGH? Well, that's up to you. I have a few suggestions.


Full Disclosure: Nothing on this site should ever be considered to be advice, research or an invitation to buy or sell any securities, please see my Terms & Conditions page for a full disclaimer.


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The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, Columbine Wealth Planning, LLC (referred to as "CWP") disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement and suitability for a particular purpose. CWP does not warrant that the information will be free from error. None of the information provided on this website is intended as investment, tax, accounting or legal advice,  as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information should not be relied upon for purposes of transacting securities or other investments. Your use of the information is at your sole risk. Under no circumstances shall CWP be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if CWP or a CWP authorized representative has been advised of the possibility of such damages. In no event shall Columbine Wealth Planning, LLC have any liability to you for damages, losses and causes of action for accessing this site. Information on this website should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.